Bond funds, reasons for listing: Generally speaking, bonds provide holders with fixed income and repay the principal at maturity. In the context of recent market fluctuations, investors who want to avoid risks may wish to increase the proportion of bond funds in their portfolios through fund conversion to keep the fruits of previous victories. Pay attention to risk: duration and credit quality are two basic elements of investing in bond funds. The longer the duration, the more sensitive the net asset value of bond funds is to the change of interest. If interest rates are raised, the risks it faces are greater than short-term funds. The credit quality of bond funds depends on the credit rating of the bonds they invest in. Investors can at least learn from the following aspects: (1) the restrictions on the credit rating of the bonds invested in the fund prospectus; A description of the credit rating of the bonds held in the fund portfolio report. At the same time, domestic investors should especially know the proportion of convertible bonds and their stocks they invest in. Capital preservation fund, reasons for listing: When the market is depressed, many investors turn their attention to capital preservation funds that can retain the principal and have potential benefits. Pay attention to risks: investors can only enjoy the rights promised in the capital preservation clause if they buy and hold them for maturity during the subscription period. If the investor fails to hold the maturity, he can't enjoy the principal-guaranteed interest. Except Jinyuan Lian Bi Gem Power, the shares subscribed by other funds during the capital preservation period are not subject to the capital preservation clause. Therefore, when investing in capital preservation funds, investors should fully consider whether the capital preservation cycle matches their own investment cycle, that is, the liquidity demand of investors. In addition, although the capital preservation fund can guarantee investors to get at least the principal or net value after maturity, investors should also fully consider the inflation factor. Money market funds, reasons for listing: when the market trend is uncertain and investors have not made new investment decisions, money market funds are a simple investment method. Judging from this year's performance, money market funds are the only group that has won a total victory, providing a guarantee for capital preservation.